Operating Segment Information (Tables)

3 Months Ended

Dec. 31, 2012

The following tables present operating segment information for the three months ending December 31, 2012 and 2011:



	Three Months Ended December 31, 2012
	U.S. & Canada			Latin America			Other International			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	80,465		$	15,117		$	—		$	95,582
Jewelry scrapping sales	42,142			3,783			—			45,925
Pawn service charges	58,210			7,814			—			66,024
Consumer loan fees	45,959			11,877			6,929			64,765
Other revenues	2,794			1,654			382			4,830
Total revenues	229,570			40,245			7,311			277,126
Merchandise cost of goods sold	46,732			8,769			—			55,501
Jewelry scrapping cost of goods sold	29,157			3,042			—			32,199
Consumer loan bad debt	11,481			(1,048		)	3,641			14,074
Net revenues	142,200			29,482			3,670			175,352
Segment expenses:
Operations	87,443			15,741			4,078			107,262
Depreciation and amortization	4,102			1,675			76			5,853
Loss on sale or disposal of assets	29			—			—			29
Interest expense	17			2,613			—			2,630
Equity in net income of unconsolidated affiliates	—			—			(5,038		)	(5,038		)
Other (income) expense	(4		)	20			(69		)	(53		)
Segment contribution	$	50,613		$	9,433		$	4,623		$	64,669
Corporate expenses:
Administrative										13,671
Depreciation and amortization										1,799
Interest, net										1,007
Other income										(448		)
Income before taxes										48,640
Income tax expense										16,485
Net income										32,155
Net income attributable to noncontrolling interest										1,438
Net income attributable to EZCORP										$	30,717



	Three Months Ended December 31, 2011
	U.S. & Canada			Latin America			Other International			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	76,552		$	10,342		$	—		$	86,894
Jewelry scrapping sales	52,866			3,537			—			56,403
Pawn service charges	54,370			5,422			—			59,792
Consumer loan fees	45,012			—			76			45,088
Other revenues	576			120			—			696
Total revenues	229,376			19,421			76			248,873
Merchandise cost of goods sold	43,451			4,945			—			48,396
Jewelry scrapping cost of goods sold	33,150			2,274			—			35,424
Consumer loan bad debt	10,890			—			135			11,025
Net revenues	141,885			12,202			(59		)	154,028
Segment expenses:
Operations	74,994			6,966			598			82,558
Depreciation and amortization	3,223			770			22			4,015
(Gain) on sale or disposal of assets	(200		)	(1		)	—			(201		)
Interest, net	4			(36		)	—			(32		)
Equity in net income of unconsolidated affiliates	—			—			(4,161		)	(4,161		)
Other (income) expense	(1,060		)	3			(64		)	(1,121		)
Segment contribution	$	64,924		$	4,500		$	3,546		$	72,970
Corporate expenses:
Administrative										11,654
Depreciation and amortization										1,240
Interest expense										583
Other expense										2
Income before taxes										59,491
Income tax expense										20,139
Net income										39,352
Net income attributable to noncontrolling interest										—
Net income attributable to EZCORP										$	39,352

Separately identified segment assets

The following table presents separately identified segment assets:



	U.S. & Canada		Latin America		Other International		Consolidated
	(in thousands)
Assets at December 31, 2012
Cash and cash equivalents	$	15,407	$	14,508	$	2,115	$	32,030
Restricted cash	—		1,133		—		1,133
Pawn loans	147,145		14,950		—		162,095
Consumer loans, net	21,546		80,858		4,810		107,214
Service charges and fees receivable, net	36,973		26,837		1,341		65,151
Inventory, net	103,042		17,284		—		120,326
Property and equipment, net	67,581		25,768		1,572		94,921
Restricted cash, non-current	—		1,994		—		1,994
Goodwill	276,570		111,485		39,956		428,011
Intangibles, net	35,522		20,820		2,921		59,263
Total separately identified recorded segment assets	$	703,786	$	315,637	$	52,715	$	1,072,138
Consumer loans outstanding from unaffiliated lenders	$	29,079	$	—	$	—	$	29,079
Assets at December 31, 2011
Cash and cash equivalents	$	13,004	$	4,696	$	183	$	17,883
Pawn loans	140,386		9,674		—		150,060
Consumer loans, net	16,102		—		86		16,188
Service charges and fees receivable, net	34,644		1,532		28		36,204
Inventory, net	91,264		9,121		—		100,385
Property and equipment, net	53,190		14,161		238		67,589
Goodwill	203,325		8,938		—		212,263
Intangibles, net	17,770		800		—		18,570
Total separately identified recorded segment assets	$	569,685	$	48,922	$	535	$	619,142
Consumer loans outstanding from unaffiliated lenders	$	29,722	$	—	$	—	$	29,722
Assets at September 30, 2012
Cash and cash equivalents	$	14,820	$	16,365	$	1,789	$	32,974
Restricted cash	—		1,145		—		1,145
Pawn loans	140,885		16,763		—		157,648
Consumer loans, net	18,960		73,422		3,767		96,149
Service charges and fees receivable, net	34,066		24,637		1,114		59,817
Inventory, net	94,449		14,765		—		109,214
Property and equipment, net	60,708		23,220		1,503		85,431
Restricted cash, non-current	—		4,337		—		4,337
Goodwill	224,306		110,401		39,956		374,663
Intangibles, net	18,824		21,867		2,946		43,637
Total separately identified recorded segment assets	$	607,018	$	306,922	$	51,075	$	965,015
Consumer loans outstanding from unaffiliated lenders	$	24,773	$	—	$	—	$	24,773

Reconciliation of Assets from Segment to Consolidated [Table Text Block]

The following table reconciles separately identified recorded segment assets, as shown above, to our consolidated total assets:



	December 31,				September 30,
	2012		2011		2012
	(in thousands)
Total separately identified recorded segment assets	$	1,072,138	$	619,142	$	965,015
Corporate assets	265,208		206,698		252,992
Total assets	$	1,337,346	$	825,840	$	1,218,007

Schedule of Revenue from External Customers Attributed to Foreign Countries by Geographic Area [Table Text Block]

The following tables provide geographic information required by ASC 280-10-50-41:



	December 31,
	2012		2011
	(in thousands)
Revenues:
U.S.	$	224,756	$	225,715
Mexico	40,245		19,421
Canada	4,814		3,661
U.K	7,311		76
Total	277,126		248,873

Schedule of Disclosure on Geographic Areas, Long-Lived Assets in Individual Foreign Countries by Country [Table Text Block]



	December 31,				September 30,
	2012		2011		2012
	(in thousands)
Long-lived assets:
U.S.	$	391,169	$	283,462	$	317,887
Mexico	158,073		23,899		155,488
Canada	9,658		9,745		10,199
U.K	44,407		238		44,363
Other	42		—		42
Total	$	603,349	$	317,344	$	527,979

- Definition

Tabular disclosure of the names of foreign countries from which revenue is material and the amount of revenue from external customers attributed to those countries. An entity may also provide subtotals of geographic information about groups of countries.

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- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

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